We've been paying for 100 percent of preventive care. But if you're not getting annual physicals, then you're not going to gain a financial incentive, so effectively your insurance premium with us will go up.

In our experience at Safeway, we're confident that we can actually improve the quality of health care while taking costs down and using the savings to help finance coverage of low-income people who are clearly going to need help to pay for insurance.

We're trying to take a leadership role in solving the nation's health-care crisis. We want everybody in this country to have health insurance.

I'm no health care expert, but you've got technology that constantly advances the ability to extend life and maybe improve lifestyle. That puts constant upward pressure on health care costs.

without paying the proper premium.

I didn't want to be selling insurance at 40, wondering what would it have been like to do stand-up.